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Dealing with Vanquis and Lowell Debt


mrdonj
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Hi CAG. Figured I'd ask for some advice for two debts that I have

 

Debt 1 - Vanquis Credit Card. As things are right now, I owe £2400 (£150 over agreed limit). Due to mental health issues, I've had the account frozen for roughly 2 years. They have not added any interest to the account and my credit is reported as ok each month. Each month I'm sent a statement recommending I pay the £150 if I can, but that I am not required to. The account of course won't be frozen forever and I would like to avoid a default on this account. Would it be advisable to arrange a payment plan with Vanquis once the account freeze is over?

 

Debt 2 - Debt sold to Lowell (originally with Very). Defaulted in October 2019. Have been making £1 payments since. Haven't dealt with a DCA that didn't involve being sent a claimform so not sure how to proceed in terms of cancelling the DD and challenging them to prove the debt is mine (if that is a solution).

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just start paying vanquis what you can when you can

 

as for lowlife send them a cca request

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cheers, will get on to it with "lowlife"

 

Edit: In regards to the current £1 plan I have with them. Do I cancel the DD or leave things as they are until the result of the CCA request?

Edited by mrdonj
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if they fail to respond within 12+2 working days....yes

 

dx

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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